Which card has a lower annual fee, Citi Double Cash Card or U.S. Bank Cash+ Visa Signature Card?

The Citi Double Cash Card has no annual fee, compared to $0 for the U.S. Bank Cash+ Visa Signature Card.

Which card earns more cash back, Citi Double Cash Card or U.S. Bank Cash+ Visa Signature Card?

The Citi Double Cash Card earns 2.0% base cash back, while the U.S. Bank Cash+ Visa Signature Card earns 1.0%. The best choice depends on your spending habits. Use the calculator to see which card earns you more.

Is the Citi Double Cash Card better than the U.S. Bank Cash+ Visa Signature Card?

It depends on your spending. If you spend more on categories where the Citi Double Cash Card offers higher rewards, it may be better. Use our calculator to compare based on your actual monthly spending.

Citi Double Cash® Card vs U.S. Bank Cash+® Visa Signature® Card: Which Card Wins for Your Spending?

Which earns more for you?

Travel ($)

Dining ($)

Groceries ($)

Gas ($)

Special ($)

Other ($)

Monthly spending. We rank on rewards minus the full annual fee, so statement credits and perks are listed separately and never counted for you.

Choosing between the Citi Double Cash® Card (no annual fee) and the U.S. Bank Cash+® Visa Signature® Card (no annual fee) comes down to where you spend most. Both cards can deliver real value. Let’s break it down, then run your numbers to find the winner.

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Meet the Contenders

Citi Double Cash Card

Unlimited 2% cash back on all purchases. Earns a solid 2.0% on everything else.

Annual fee: None Sign-up bonus: $200 after $1,500 spend in 6 months Foreign fees: 3%

Perfect if: You're comfortable booking through the issuer's own site for the best rate.

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U.S. Bank Cash+ Visa Signature Card

Strongest in groceries at 2%. 5% on two chosen categories up to $2,000/quarter, 2% on one everyday.

Annual fee: None Sign-up bonus: $250 after $1,000 spend in 90 days Foreign fees: 3%

Perfect if: You want solid rewards without paying an annual fee.

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Head-to-Head Comparison

Feature	Citi Double Cash Card	U.S. Bank Cash+ Visa Signature Card
Annual Fee	$0	$0
Sign-Up Bonus	$200 after $1,500 spend in 6 months	$250 after $1,000 spend in 90 days
Foreign Transaction Fee	3%	3%
Base Reward Rate	2%	1%
Groceries Rewards	2%	2%
Rates with conditions not counted in the rows above	5% through Citi Travel Earns 5% only on hotels, car rentals and attractions booked through Citi Travel, Citi's own booking site. Travel booked anywhere else earns the flat 2%.	5% on prepaid travel Earns 5% only on prepaid hotels and car rentals booked through the U.S. Bank Travel Center. Travel booked anywhere else earns 1%.
Key Benefits	Unlimited 2% cash back on all purchases.	5% on two chosen categories up to $2,000/quarter, 2% on one everyday.

The Verdict

Citi Double Cash Card pulls ahead for travel, dining, gas spending.

Not sure which fits your life? Enter your spending below and we’ll do the math. The calculator ranks purely on rewards minus the full annual fee, so credits and perks are yours to judge.